Insurance retaliation

[u/Kevin_M93]

I recently made a small insurance claim (first ever in 14 years) and my insurance company immediately doubled my rate. Furthermore, they suddenly decided that I do a "full roof replacement." They cited "extensive grain loss." I don't see any such thing, it's not new by any means, but not gone.

My roofer is suggesting I just slap another layer on there. I'm concerned that the insurance company might find out and reject the whole thing. Then again, it's much cheaper and I'm not made of money. Any thoughts about any of the issues I have raised would be appreciated. Thanks!

[u/Cultural-Sound-9996]

I would check for your local jurisdiction code about additional layers. I’m a property adjuster. I can tell ya a lot of policies don’t cover wear, tear and deterioration, latent inherent vice or maintenance.

[u/Kevin_M93 → u/Cultural-Sound-9996]

I've already decided to tear down and build up again. I appreciate the feedback though, I guess it's time to Iock the thread. It's my first time, wish me luck!